Number of Personal Bankruptcies in the Czech Republic Falls by Seven Per Cent Year-on-Year

The courts in the Czech Republic declared significantly fewer individuals insolvent in the first half of 2026 than a year earlier. At the same time, the number of new personal insolvency petitions also declined.

The number of personal bankruptcies in the Czech Republic fell during the first half of 2026. Between January and June, the courts declared a total of 7,614 individuals insolvent, seven per cent fewer than in the same period last year.

At the same time, 7,806 personal insolvency petitions were filed with courts across the Czech Republic. This represents a decline of eight per cent compared with the first half of 2025. The figures come from an analysis by CRIF – Czech Credit Bureau, based on data from the informaceofirmach.cz portal.

According to CRIF, 555 fewer personal bankruptcies were declared in the first six months of this year than in the corresponding period last year. The sharpest declines were recorded in the Olomouc and Pardubice regions, where the number of cases fell by around a quarter in each.

"The number of personal bankruptcies has increased slightly over the past twelve months, but developments during the first half of the year point to a positive turnaround," said CRIF analyst Věra Kameníčková.

The eight per cent decline in personal insolvency petitions also suggests that the total number of personal bankruptcies in 2026 could be lower than last year. Although household consumer lending has continued to grow relatively strongly, the payment discipline of the population has improved.

Most Personal Bankruptcies in the Moravian-Silesian Region

The highest number of personal bankruptcies in the first half of the year was recorded in the Moravian-Silesian Region, where the courts declared 1,268 individuals insolvent. This was followed by the Ústí nad Labem Region with 1,001 cases and the Central Bohemian Region with 893 personal bankruptcies. Together, these three regions accounted for more than two-fifths of all personal bankruptcies in the Czech Republic.

The lowest numbers were recorded in the Vysočina Region with 261 cases, the Zlín Region with 268 cases and the Pardubice Region with 269 cases. Only three regions recorded an increase in personal bankruptcies compared with the same period last year. The largest increase was in the Central Bohemian Region, where the figure rose by six per cent. The Karlovy Vary Region recorded an increase of five per cent, while the Plzeň Region saw a rise of two per cent.

Personal Bankruptcies in Prague Down by 16 Per Cent

The sharpest decline was recorded in the Olomouc Region, where the courts declared around 25 per cent fewer personal bankruptcies than between January and June 2025. In the Pardubice Region, the number fell by 24 per cent. Prague recorded a decline of 16 per cent, while the Hradec Králové Region saw a decrease of 13 per cent.

Highest Insolvency Rate in the Ústí Region

On average across the country, there were 16 personal bankruptcies per 10,000 residents aged over 15 during the past twelve months. The Ústí nad Labem Region has long recorded the highest insolvency rate, with 47 personal bankruptcies per 10,000 residents. It was followed by the Central Bohemian Region with 25 cases and the Karlovy Vary Region with 24 cases per 10,000 residents. The lowest rate was recorded in the Plzeň Region, with seven personal bankruptcies per 10,000 residents. Prague and the Vysočina Region each recorded ten cases per 10,000 residents.



CRIF – Czech Credit Bureau
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